• 한국산업정보학회논문지
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• 제17권4호
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• pp.99-114
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• 2012

국내 저축은행들은 다양한 원인으로 인해 오늘날 많은 어려움에 직면하고 있다. 이러한 어려움을 극복하기 위해서 저축은행들은 다양하고 전문적인 서비스를 요구하는 고객들을 만족시켜야 한다. 이를 위해 저축은행들은 고객 지향적으로 변해야 하고 고객 관리 관리를 체계적으로 하여야 한다. 이러한 인식하에 본 연구는 서비스 품질을 상호작용 품질, 결과 품질, 물리적 환경 품질의 3차원으로 분류하여 이들이 서비스 성과인 고객 만족, 고객 신뢰, 재거래 의도에 어떠한 영향을 주는지 조사하였다. 또한, 금리 민감도와 은행 명성이 서비스 품질과 서비스 성과 사이에 조절효과가 있는지도 살펴보았다. 본 연구의 결과는 금융 산업의 종사자와 연구자들에게 저축은행들의 경쟁력 확보를 위한 시사점과 가이드라인을 제공할 것이다.

• 유통과학연구
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• 제16권11호
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• pp.21-27
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• 2018

Purpose - This study investigates the financial ratio of savings banks and the effect of the ratio having influence upon bankruptcy by quantitative empirical analysis of forecast model to give material of better management and objective evidence of management strategy and way of advancement and risk control. Research design, data, and methodology - The author added two growth indexes, three fluidity indexes, five profitability indexes, and four activity indexes CAMEL rating to not only the balance sheets but also the income statement of thirty savings banks that suspended business from 2011 to 2015 and collected fourteen financial ratio indexes. IBMSPSS VER. 21.0 was used. Results - Variables having influence upon bankruptcy forecast models included total asset increase ratio and operating income increase ratio of growth index and sales to account receivable ratio, and tangible equity ratio and liquidity ratio of liquidity ratio. The study selected total asset operating ratio, and earning and expenditure ratio from profitability index, and receivable turnover ratio of activity index. Conclusions - Financial supervising system should be improved and financial consumers should be protected to develop saving bank and to control risk, and information on financial companies should be strengthened.

• 서비스연구
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• 제14권2호
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• pp.117-137
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• 2024

ESG는 모든 기업에게 선택이 아닌 필수 사항이 되었으며, 국내 주요 은행들도 ESG 경영을 적극적으로 실천하고 있다. 은행은 ESG 내부활동 뿐만 아니라 자금공급의 중개자로 ESG 금융을 제공하는 역할을 수행하고 있다. 최근에는 디지털 신기술과 결합하여 친환경 활동 수행 시 우대금리를 제공하는 ESG 금융상품을 출시하고 있다. 그러나, 무분별한 우대금리 제공은 은행의 수익성에 악영향을 미칠 수 있으며, 환경인식 개선에 실질적으로 기여하지 못할 경우 그린워싱(Greenwashing) 문제에 직면할 수 있다. 이에 본 연구는 전기 절약과 연동된 ESG 디지털 적금상품을 연구 대상으로 선정하고, 가입자의 실제 데이터를 통하여 소비자의 환경인식과 저축행동을 실증적으로 분석하였다(표본수 2,478개). 본 연구의 주요 결과는 다음과 같다. 첫째, ESG 디지털 적금상품의 가입 현황을 분석한 결과, 30~50대가 주요 고객층으로 나타났으며, MZ세대는 다른 세대에 비해 전기 절약 실천을 통한 우대금리 달성에 있어 상대적으로 높은 성과를 보였다. 둘째, 소비자의 환경인식은 ESG 금융상품의 목표 달성에 유의한 영향을 미치는 것으로 나타났다. ESG 디지털 적금상품은 저축의 기본 기능에 충실함과 동시에 환경인식을 높이는 데 기여할 수 있음이 확인되었다. 셋째, 환경인식은 소비자의 저축 납입행동을 유도하지 못했으며, 이는 지속적인 소비자 관여가 필요함을 시사한다. 본 연구는 환경인식(Environmental Awareness)과 저축행동이론(Theory of Saving Behavior)을 기반으로 ESG 금융상품의 목표 달성에 미치는 소비자 인식 및 행동을 학문적으로 설명하였다. 연구의 결과는 ESG 금융상품의 우대금리 설계의 적정성이 중요함을 시사한다.

• Journal of Information Technology Applications and Management
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• 제15권3호
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• pp.43-59
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• 2008

This paper studies small and medium sized financial agency's management states that take advantage of the Korea Federation of Saving Bank's data. It also presents the management state and the decision-making model that monitors progressive insolvency by standardizing transfer path between relevant groups. With this in mind, we extracted explanatory variables for predictions of insolvency by using existing studies of document related insolvency. First of all, we designed a state model based on demarcated groups to take advantage of the self organizing map that groups in line with a neural network. Secondly, we developed a transition model by standardizing the transfer path between individual banks in a state model. Finally, we presented a decision-making model that integrated the state model and the transition model. This paper will provide groundwork for methods of insolvency prevention to businesses in order for them to have a smooth management system in the financial agencies.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.295-302
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• 2021

In the context of economic growth, the banking system has greatly contributed to a substantial rise in living conditions, connecting savings and investment, and economic growth. Since economic reform in 1986, Vietnam's banking system has increasingly expanded in quality and quantity of banks including state-owned, private-owned, and foreign banks. The aim of this study is to evaluate the main factors affecting employee's performance in the banking system in the case of an emerging economy of Vietnam. Using the pilot study by investigating three experts in a few banks in order to correct the questionnaires, and a mega sample data of 170 observations conducted from bank's staffs, and managers in Hanoi capital of Vietnam, empirical results demonstrate that the independent variables included in the model can explain 67% of the change of the dependent variable of employee's performance, and the rest (31%) can be explained by other reasons. Further, motivation (MO), and working ability (WA) have a positive and insignificant impact on employee's performance, reflecting that motivation, and working ability have insignificantly affected employee's performance. In contrast, four factors, namely, welfare, working environment, cooperation, and education have a positive and significant impact on employee's performance in the case of Hanoi, Vietnam.

• 유통과학연구
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• 제13권11호
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• pp.69-77
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• 2015

Purpose - Economic status at an early stage of life after one's retirement is often determined by the long-term sacrifice of one's earlier consumption tendencies. In general, the first and foremost way to secure income after retirement is through annuity savings. People sign up for personal annuity savings in order to guarantee a stable economic life upon retirement, and such actions may be heavily influenced by self-efficacy. Confidence in current economic activity is a source of rational decision-making. Inability to achieve self-control can lead to reckless spending and the eventual hindering of proper investment for the future. This paper examines how self-efficacy and self-control affect the intention and action of enrolling in an annuity savings plan in relation to one's level of financial literacy. Research design, data, and methodology - To analyze the proposed model, this study investigates financial consumers over the age of 20. The data were collected from 511 respondents and analyzed with SPSS 21.0 and AMOS 21.0. First, for the one-dimensional test and to measure the convergent validity of each structure, we use the scale purification process. The results of the test and the confirmatory factor analysis ensure the focus of the validity of the single dimension for each structure. In addition, the validity of the measurement was guaranteed from the results of correlation analysis. Results - First, self-efficacy and self-control have positive effects on the purchasing intention of the personal annuity savings plan. Second, purchasing intention positively affects purchasing behavior. Lastly, self-control has a positive effect on purchasing intention among the low financial literacy group, whereas self-efficacy does not have this effect in the high financial literacy one. Conclusions - The time of product benefit is different with age. The younger group would be granted the savings after several decades once they enroll, whereas the older group would wait for a relatively shorter period of time. Therefore, further research should be conducted in order to verify such a difference. However, this study has value through its confirmation that the roles of self-efficacy and self-control play a part in leading to the enrollment in annuity savings plans and by verifying different effects based on levels of financial literacy. Such results suggest a number of implications in a real life setting. First, banks need to put greater emphasis on the stability of annuity savings in general. Second, customers with relatively low levels of financial literacy are able to control their finances through annuity savings, but find self-efficacy difficult due to a lack of financial understanding. Therefore, such customers should be approached from an invest-effectiveness comparison method. Third, customers with high financial literacy tend to put more value in rational economic decision-making and behavior than in self-efficacy. Therefore, such customers should be approached by promoting the reliability of annuity savings and the excellence of the specific bank's annuity savings plan in comparison to those of other financial institutions.

• 한국실내디자인학회논문집
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• 제16권3호
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• pp.10-20
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• 2007

The materials on the development of modern architecture in Korea are being collected and organized in a systemic fashion. However, this is not the case with the materials relative to interior design. They are gradually disappearing or being lost. In particular, no serious attempt has yet been made to determine the characteristics and historic value of the interior design of the modern bank buildings. The purpose of this study is to trace the disappearing legacy of the interior design of modern bank buildings by learning the inner space arrangements of these buildings and the characteristics of modern interior design in order to determine the historic significance of modern commercial interior design. Banks of relatively large scale were selected for the purpose of this study. They consisted of: Chosun Bank(1911) and its Andong, Wonsan and Cheongjin branches; Chosun Shiksan Banks and its Busan, Daegu and Pyongyang branches; the Busan branch of the 18 Bank; Dongil Bank, Chosun Savings Bank(1935) and their branches. The study focused on the space arrangements and design characteristics of these banks. Although they aimed at modernization in designingtheir interior spaces, the modern bank buildings were not representative of any particular style of interior design. While western style designs were prevalent, eclectic designs incorporating many different styles existed. The characteristics of the interior design of banks of the time included installation of such decorations and use of high quality construction materials for interior and exterior expressing the wealth as to create an aura of credibility for the banks, while the floor arrangements were relatively stereotyped and simplified.

• 응용통계연구
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• 제27권4호
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• pp.577-588
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• 2014

자료의 수집과 저장이 수월해 지면서 대용량의 자료들이 존재하고 특히 개체 보다 변수가 더 많은 자료들이 생산되고 있다. 변수들이 증가하면서 다중공선성 같은 문제들이 발생하여 분석의 어려움에 봉착하게 된다. 이러한 문제를 해결하는 방법들이 많이 연구되었지만 다소간의 정보의 손실을 감내하고 연속형 자료를 범주형 자료로 변환하면 나름 유용한 분석이 가능하다고 본다. 대용량 범주형 자료의 대표적인 사례로 유전자 염기 서열 자료가 있고 이를 분석하기 위한 많은 기술들이 발달되어 있다. 본 논문에서는 국내 은행들이 생산해 낸 다양한 지표들을 분석하기 위해 유전자 염기 서열 분석 기법을 적용하여 분석하였고 나름 유용한 정보를 얻을 수 있음을 보였다. 본 논문에서 사용한 자료는 11개의 은행과 5개의 저축은행과 관련된 78개 재정 지표를 갖는 자료로서 심각한 다중 공선성이 존재하여 자료를 범주화하고 분석한 결과 몇 가지 유용한 결과를 도출하였다.

• 아태비즈니스연구
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• 제4권2호
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• pp.41-53
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• 2013

Undoubtedly, the basic sinking fund formula gives the future value of a series of equal installments. The main underlying assumption for using this formula is that installment and compounding frequency must be in equal interval. But when installment for a deposit scheme or any other savings scheme and compounding frequency do not occur in an equal interval, which is treated as the complex annuity problems in Finance Literature, the basic sinking fund formula does not give the accurate result. As a result, the obtainable amount from different deposit schemes offered by different banks and financial institutions does not match with the amount of future value calculated through the basic sinking fund formula by the investors or savers. This study focuses the concealed facts for such type of mismatches in values and at the same time it provides a solution through developing a new formula by extending the basic formula intended not only to remove those mismatches but also get the accurate future value from a sinking fund provision in case of complex annuity. Besides, since banks and financial institutions calculate the interest on the average amount of equal installments deposited within a period of time due to complex annuity, the study also formulates an arithmetic formula for calculating the average amount of installment.

• 재무관리연구
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• 제26권1호
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• pp.95-125
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• 2009

본 연구는 2003년 상반기부터 2007년 하반기까지의 반기자료를 이용하여 상호저축은행에 시장 규율이 존재하는지에 대해 실증 분석하였다. 상호저축은행 통일경영공시의무 항목인 BIS자기자본 비율과 자산건전성비율에 초점을 두고 분석한 결과 상기 지표는 예금증가율과 매우 유의한 관계를 가지는 것으로 나타나 표본기간 중 저축은행산업에 시장규율이 존재한다는 결론에 도달하였다. 아울러 이러한 시장규율에 대해 저축은행은 능동적으로 반응하는 것으로 분석되었다. BIS자기자본비율은 모든 모형에서 고정이하여신비율보다 큰 계수를 보여 예금자는 고정이하여 신비율보다는 BIS자기자본비율에 더 민감한 것으로 나타났다. 수도권과 비수도권 간에 시장규율의 정도에는 별 차이가 없었으며, 시간이 흐를수록 시장규율의 정도는 강해지는 것으로 조사되었다. 아울러 영업정지가 발생할 경우 BIS자기자본비율에 대한 민감도는 변하지 않는 반면 고정이하여신비율에 대한 예금자의 민감도는 매우 강해지는 것으로 분석되었다. 향후 시장규율의 지속적인 작동 및 향상을 위해서는 감독당국이 저축은행의 성실공시를 유도하는 각종 상벌제도를 고안함과 동시에, BIS자기자본비율 외에 예금자의 인식도가 높아지고 있는 것으로 분석된 고정이하여신비율에 대해서도 예금자의 주의 환기가 필요하다고 할 것이다.